NEWS RELEASE – HABITAT FOR HUMANITY NATIONAL CONFERENCE

Today, in its on-going effort to show its continued strong support and appreciation
of Habitat for Humanity affiliates and their volunteers' efforts to provide affordable
housing, Multi Financial Services Co., Inc. (Multi Financial) announced its new
"National Loan Servicing Fee Program (Program)".

This Program continues to recognize several important features that Multi Financial's
many Habitat affiliate clients and prospective clients across the country have emphasized
since the company became associated the Habitat organization almost (15) years ago:

that affiliates do not want to lose contact with their borrowers;

those wishing to outsource wish access to their borrowers' loan data 24-7-365;

they want to be included in any escrow and past due collection efforts;

when escrow shortages are advanced, they wish the resulting shortage payment repaid
at a monthly rate affordable to the borrower, even if it means over more than twelve
months;

they wish additional time available to devote to affiliate in-house and local non-servicing
needs;

they wish an affordable, reasonable servicing fee.

As such, Multi Financial has developed a new Program to make it even more affordable
for those Habitat affiliates wishing to "outsource" their loan servicing
AND have the above needs met.

Therefore, effective immediately, a MAXIMUM National Fee of:

ONLY EIGHT ($8) PER ACCOUNT

has been established to service all Habitat mortgage loans across the United States.

This National Fee will be the same whether an affiliate has one (1) loan or whether
they have five-hundred (500) loans. Multi Financial recognizes it services thousands
of Habitat affiliate loans across the nation; therefore, everyone should benefit
from the company's own "economies of scale" across the nation!

This National Fee will include the following standard services to each affiliate
and its clients (borrowers):

couponbooks mailed timely to the borrower;

receipt and posting of payments;

ability to debit borrowers accounts for payments;

access by affiliate and their borrowers to loan account information via a very secure
website, 24-7-365, updated nightly at 2am;

Multi Financial's new National Fee incorporates the philosophy that an affiliate
should NOT be penalized for seeking quality and a more affordable loan servicing
relationship with superior services.

Loan Setup Fees for currently "in-house" serviced loans will continue
to be only Thirty ($30) Dollars per setup and only Fifty ($50) Dollars for new loans.

Additionally, there will be:

NO new affiliate setup fee to begin doing business with Multi Financial;

NO FEE to pay taxes and/or insurance invoices.

Equally as important, is Multi Financial's future long-term goal commitment to Habitat
nationally of reducing its National Loan Servicing Fee even further as Multi Financial's
following "Total Loans Serviced" continues to increase in months and years
ahead:

Total Loan Serviced

National Loan Servicing Fee (*)

3000

$8/account

4000

7.50/account

5500

7.00/account

7000 & more

6.50/account

(* Company reserves the right to make minor adjustments to this fee in certain states
requiring more than normal licensing requirements)

Lastly, for those affiliates wishing to continue servicing "in-house",
Multi Financial, as part of providing its "Total Loan Servicing Solutions ™"
to affiliates, will continue to offer its very successful, user-friendly, Trakker
Loan Servicing Software; specifically, priced to Habitat affiliates' number of loans
serviced. This software application, normally licensing at over Four Thousand ($4,000)
to FOR-PROFIT mortgage companies across the country, starts at only Three Hundred
Fifty ($350) Dollars for an affiliate servicing ten (10) loans. Again, Multi Financial's
commitment to Habitat affiliates to provide excellent and proven loan servicing
software at an affordable amount, in return for helping provide affordable housing
across the country.

Formed in 1989, Multi Financial Services Co., Inc. is a national mortgage servicing
company headed by J. Terry Ryan, President, a former twenty year commercial banker,
headquartered in Tallahassee, Florida. Servicing over three-thousand loans across
the country representing over $100 Million in volume, Multi Financial provides full
mortgage servicing services primarily to its "niche-market" of government
and non-profit affordable housing organizations.

Additionally, the company's Trakker Loan Servicing Software, developed in-house
for its own loan servicing operation is marketed nationally and internationally
to mortgage and non-mortgage companies needing a very comprehensive yet user-friendly
software application, containing Crystal Reports for development of quality management
reports.